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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,999 | $97,125+55.5% | $86,233+75.1% | $137,256+10.0% |
| Participation rate | 52.9% | 74.2%-21.3pp | 69.0%-16.1pp | 80.0%-27.0pp |
| Annual return | 10.44% | 74.19%-63.7pp | 61.39%-51.0pp | 220.34%-209.9pp |
| Employer contribution / active EE | $1,507 | $2,841-46.9% | $2,504-39.8% | $4,156-63.7% |
| Participant deferral / active EE | $5,807 | $5,180+12.1% | $4,559+27.4% | $6,407-9.4% |
| Admin fee / account holder | $1,706 | $9,725-82.5% | $8,342-79.5% | $12,270-86.1% |